One thing that many students are not thinking about is what happens with student loans if they take a semester or more off. While there is a grace period of 6 months once a student drops below half time, that grace period can only be used once. So if a student takes it now in the middle of their academic program, under current guidelines, they do not have one when they graduate. Payments will have to begin immediately upon graduation.
https://studentaid.gov/manage-loans/repayment
https://www.studentloanborrowerassis...grace-periods/